I never thought about that but I was wondering if these two people who called were working together. Said she was calling to make sure someone would be home as I was being served. Never even verified the address.

Good evening,
Today I received a call from a woman who stated she was calling as papers were being served and they wanted to make sure that someone would be at home. She did not identify herself or the name of her company until asked. I asked who was being sued and she provided my name. When asked about the debt she provided another number for me to call with a reference number.
The number provided to me was 1-877-283-1859. I called, gave my last name and provided the reference number. The young lady I spoke with informed me that I was being sued for a payday loan taken out with Quick Cash Express on May 11, 2012. The representative did not provide her name or the name of the company until I asked. I asked for the name of the company, their address and license number. She sarcastically provided the information: J Powers at 111 North Orange Avenue, Orlando, Florida 32801 with a license number of 574891. The original amount of the loan is $500.00 and if I go to court they are looking to collect $1,488.00. I can settle out of court for $698.00. I have been searching online for this company and I cannot locate any information. I also asked for the name of the attorney handling the case and she stated it was J. Powers.
Going back to the debt. I do recall taking out a payday loan- in fact I have taken out several years ago and learned my lesson. They are not worth the headache.
I do not recall taking out a loan with Quick Cash Express so I asked if the company goes by another name. She said yes and gave me a list of names (Extra cash, Ace Cash, 500 fast cash etc.). I do recall taking out a loan with Ace Cash but to my knowledge, the account was paid in full. I have checked my emails and the last contact I had with them was 2011 and my loan was paid in full. In addition, the company name changed to Advantage Cash Services.
I asked the representative if she could validate the debt and she said yes. She informed me that my bank account number was on file, my ssn, email address, mailing address and electronic signature. I asked if she could provide the loan document with the original signature and she said, "No. What more proof do you need? We have your information on file."
Prior to these two calls today, I never received any correspondence or calls about this debt.
I'm hoping that someone can point me in the right direction. I am not trying to get out of paying what I rightfully owe but I cannot just open my checkbook and pay someone just because they said I owe them money. I will continue to read the various threads to see what I can find.
I need to know if this company exists, if they are licensed to collect and what I should do if I get served (other than going to court).
Thanks in advance.
Nylady

Here's the info from the FAW page from the myfico website. http://myfico.custhelp.com/cgi-bin/myfico.cfg/php/enduser/std_adp.php?p_faqid=260&p_created=1215024592&p_sid=Zh7jAf9j&p_accessibility=0&p_redirect=&p_lva=&p_sp=cF9zcmNoPSZwX3NvcnRfYnk9JnBfZ3JpZHNvcnQ9JnBfcm93X2NudD0xMzEsMTMxJnBfcHJvZHM9JnBfY2F0cz0mcF9wdj0mcF9jdj0mcF9zZWFyY2hfdHlwZT1hbnN3ZXJzLnNlYXJjaF9ubCZwX3BhZ2U9MQ**&p_li=&p_topview=1 Q: I recently received an email from myFICO Customer Care about a change to my Score Watch account, but I still don't understand the problem. Can you explain? A: Yes. During a recent technical investigation of an upcoming product improvement, we learned of some technical limitations within the Score Watch alert system that were affecting our ability to deliver Score Watch alerts in a consistently reliable manner. Q: What is the solution? A: As of July 13, 2008, the "any change"* alert setting was removed. Please be assured that all other features and functionality of Score Watch are unaffected. You still can set your target FICO score and Score Watch will alert you when that target score has been achieved. Score Watch still sends an alert to you when your FICO score changes enough to qualify you for a better rate for a mortgage, HELOC or auto loan. It still monitors your Equifax credit report every day and alerts you when content on the Equifax credit report changes, at the same time providing you with your up-to-date FICO score. You still receive two Equifax Score Power reports, one at enrollment and one to be used anytime during the subscription period. So the service continues to provide significant value Q: Why is this "any change" alert setting being removed instead of fixed? A: After trying to fix this alerting feature, we discovered technical obstacles that made the feature unreliable. Because this feature did not meet myFICO's quality standards we elected to remove it. Q: Will the "any change" alert option ever be offered again? A: There are no current plans to reinstate this alert setting in the future. Q: Who are the Score Watch subscribers affected by this change? A: The "any change" alert has been removed for all Score Watch subscribers. Q: With the removal of the "any change" alert setting, should I expect all of my other Score Watch alert settings to function properly? A: Yes. You can expect all other features of Score Watch to function properly. Q: When did myFICO become aware of this problem? A: In late May 2008, while testing some other planned improvements to the Score Watch monitoring process, we became aware of this issue and quickly acted to remedy the situation and notify all of our subscribers. Q: Is this issue also affecting Score Watch subscribers who purchased from www.Equifax.com? A: No. This change will only affect myFICO Score Watch subscribers, as this "any change" alert setting has not been available to subscribers who purchased from Equifax. Q: Will any of my other alert settings be affected by the removal of the "any change" alert setting? A: While none of your other alert settings will function differently following this change, you may see that your "target score"** is a different score from the last one you entered prior to July 13th. This change will result from a one-time automatic adjustment to your "target score" setting that's being implemented on July13th to ensure better efficiency in the Score Watch target score alert delivery process going forward. This target score will be set to your most recent Equifax FICO score obtained through Score Watch prior to July 13th. On or after this date please free to reset this score to one of your own choosing. Q: How do I make sure I'm setting my "target score" properly? A: First, make sure it's turned "on". Then simply enter a higher score than the one there currently that represents the level of score improvement you would like to be alerted to by Score Watch. Q: What is the relationship between myFICO and Equifax in the Score Watch alerting process? A: Score Watch alerts are triggered by changes to your Equifax credit report and Equifax FICO score. These alerts originate at Equifax and are delivered to myFICO, where we send them directly to our subscribers via email or text. Q: In your recent email, you stated that myFICO has identified some new technologies that will improve the Score Watch process. What are these changes you're making? A: Through better online communication between myFICO and Equifax within the Score Watch credit monitoring system, we expect to see major improvements in the Score Watch alert delivery process, both in terms of accuracy and speed. Q: Where should I direct any additional questions about my Score Watch subscription? A: You can always obtain more information about Score Watch and your myFICO account by contacting the myFICO Support Center. * The "any change" setting is located on your Score Watch Settings panel within your myFICO Score Watch account. It indicates we will notify you "Whenever there is any change to my FICO score". ** The "target score" setting is located on your Score Watch Settings panel within your myFICO Score Watch account. It indicates we will notify you "Whenever your FICO score of ___ reaches a target score of ___".

Today I get another email stating that since there were no changes to my report since 5/12/08 they did not send an alert. What a load of baloney. I'm going to cancel. I don't see the sense of keeping it. nylady

Has anyone else recvd this email? I subscribed to the MYFICO Score Watch Alert and recvd the following email today. No wonder I haven't recvd any recent alerts. *** Dear Score Watch® subscriber: The myFICO® team has been pleased to be able to offer the Score Watch credit and FICO® score monitoring system to thousands of myFICO customers over the past three and a half years. As one of our valued subscribers, we want you to be aware of some new developments currently underway within Score Watch. As part of our continuing commitment to providing myFICO customers with the highest quality products and services possible, we have recently identified some new technologies that will improve the way Score Watch alerts are provided to you. We expect these changes to be implemented by the end of summer 2008. The first step toward implementing these improvements will include the elimination of the Score Watch alert option indicating that you will be alerted whenever your FICO score changes.” As of July 13, 2008, this alert setting will no longer be available. We regret having to discontinue this feature; however, our research has found that the offering of this alert option has resulted in technical complications within the Score Watch monitoring system that make this decision unavoidable. Over the next few months, we will be implementing additional system improvements to the Score Watch monitoring service. These upgrades are expected to increase both the accuracy and speed with which your Score Watch alerts are delivered. We apologize for this inconvenience as we work to make sure that our Score Watch credit monitoring service continues to serve your needs into the future. For additional information about the latest Score Watch developments, please read our FAQ . Thank you again for subscribing to Score Watch, as we look forward to providing an improved Score Watch credit and FICO score monitoring service to you over the next few months. Best regards, myFICO Customer Care